McBeath Financial Group - March/April 2022

McBeath Financial Group - March/April 2022

MARCH/APRIL 2022

Financial Horizons Your Connection for Wealth, Lifestyle & Legacy

McBeathFinancialGroup.com 309.808.2224 Get to Know Our Newest Team Member JULIE KARSTENS!

As you may remember from the last edition of the newsletter, among the accomplishments we achieved as a team in 2021, one of our favorites was the addition of Julie Karstens to the McBeath Financial Group team. This month, I’m handing over the reins of the cover article to Julie so you can see firsthand just what makes her so special.

Since joining McBeath Financial Group, I’ve discovered we provide an unparalleled service. The processes and software we utilize are some of the most sophisticated platforms, and our approach is so intentional and personalized. With Krista’s

—Krista McBeath

Hi, everyone! As Krista mentioned, I’m Julie, and I joined the McBeath Financial Group in 2021. I’m grateful to Krista and Robert for inviting me to join such a dynamic team, which has allowed me to grow as an advisor and fuel a passion I have had for as long as I can remember. Growing up in the small town of Teutopolis, Illinois, I always wanted to work in finance — so much so that I earned my degree in finance from Illinois State University with an emphasis on financial planning! About one year after graduation, I followed in my dad’s footsteps and went to work at a bank as a credit analyst. However, shortly after starting, I was approached about moving to the wealth management team at the bank. I completely fell in love with the world of wealth management! I really enjoyed creating relationships with my clients. When I started specializing in comprehensive financial planning at the bank several years later, I found it encompassed so much of what I enjoyed about wealth management — and more. I knew I had found my passion! Throughout my time in this role, I specialized in retirement planning, trust administration, and investment management. In 2021, a recruiting group reached out to me about this opportunity at McBeath Financial Group. I had known about McBeath Financial Group through the community; as you may know, this is a very well- known and respected firm! The prospect of furthering my career and working with someone as experienced and compassionate as Krista was too exciting for me to turn down, and after speaking and interviewing with Krista and Robert, I knew this was where I was meant to be. Their philosophies, practicing styles, and strengths aligned so well with my approach.

experience and our numerous touchpoint opportunities, it’s easy to form a strong, personal bond that helps us better use our nerdy, number-crunching

talents to serve clients. I have found this approach incredibly valuable in my career, and Krista is one of the best at it.

As I look toward the future of my career, I look forward to earning my Certified Financial Planner® (CFP) designation. (I’m currently a certified trust and fiduciary advisor.) It can take several years to earn this certification, but I’m ready to take on this challenge. Working toward my designation will mean adding one more task to an already busy personal life, however! My husband and I live in Normal with our two daughters, and we are small group leaders at Eastview Christian Church in Normal. In addition to my professional pursuits, our two girls, and working with the church, life is about to get a little more chaotic and exciting, too! My husband and I are expecting our third child and first son in May! We could not be more excited.

I want to thank those of you who have welcomed me to McBeath Financial Group with open arms and kind words, and that includes the

wonderful people I get to work with each day. It’s an exciting prospect to discover a job you love, only to learn the people you work with and for will make your dream career even sweeter. —Julie Karstens

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It’s OK to ‘Treat Yo’ Self’ WHY RETIREMENT PLANNING SHOULD INCLUDE FUN!

An excerpt from my Amazon best-selling book “The Generational Wealth System” highlights a commonly forgotten element in financial planning: the fun of enjoying what you’ve earned! “’Treat yo’ self!’ is one of my favorite lines from the television series ‘Parks and Recreation.’ Characters in the series repeatedly use this line to justify a day of unbridled pampering and spending. Sure, it was reckless to watch, but at the same time, it was therapeutic for the characters experiencing it. Despite the comedic element, there is some sound wisdom behind the phrase. You’ve probably earned the right to ‘treat yo’ self’ occasionally, and it should be part of the plan.” This was pulled from one of the chapters I most enjoyed writing, “Celebrate Abundance”! (If you don’t have a copy already, see the website Wealth-Book.com for more info.) Many traditional financial and retirement planning elements focus on expenses, long-term care, and emergency preparedness. While these are valuable and a large part of building security for your future, financial planning should also provide an opportunity for you to live your lifestyle — with all the treats and indulgences you want — without feeling guilty about it. It must be a process designed to fund your life, whatever that may look like.

As I write about in “The Generational Wealth System,” I encourage clients to plan for a “play”

check, which is money they can spend as they please, whenever they

want! Use this money to fund a day trip or an expensive date

night with your spouse. Take your grandchildren to the zoo, buy the item you have been eyeing for months, spend a few afternoons on the golf course, or spoil yourself with a spa day. Whatever the “fun” of life looks like for you, your financial plan can be built to include it. Remember, finances don’t always have to be serious. When you create a plan that is designed to protect your goals, provide you with support in an emergency, and supply a few funds for something fun each month, that’s how you know you’re planning with the right mindset.

If this article sparked a concern about your plan, please schedule a consultation with my team today.

Protect Your Identity and Kick Scammers to the Curb 5 Ways to Deal With Annoying Robocalls —Krista McBeath

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